The banking infrastructure is bleeding, losing the game to cellphones' fintech in the World. Global rural population: ≈ 3.4 billion. Daily volume bypassing banks: 1.02 billion × $5 ≈ US $5.1 billion. Annual transfer fee revenue forfeited: 10% × 1.86 trillion ≈ US $186 billion.

The U.S. merchant account services market is a battlefield. New tech disruptors are storming the field, legacy giants are digging in, and a handful of former titans are losing ground fast. This is not just a story of numbers, but of people, technology, and the relentless drive for relevance. Here’s who’s winning, who’s losing, and why it matters for your next career move, your sales strategy, or your business’s bottom line.

Author: Alexey PodkletnovIf you, a respected Russian Apple user, do not want to switch to Android, carry cards or stick stickers on your favorite gadget, then there is only one way out – to pay via QR. In some countries, it is through “quaring” that most transactions take place. Today we will analyze how QR payments work and why their …

Editors Note.Andrey Prokhorov Editor-In-Chief, LaGente.do aprokhorov@lagente.do…Preface: All newborn children come into this world naked and barefoot, devoid of vision, possessions, roles, or skills. These attributes, the trappings of society, are not inherent but rather imposed by the world around them. Scientists believe that during the first four years of life, a child retains its unaltered, core identity, a pure reflection …